120家机构“一个不少”，内蒙古农商行改革模式创全国首例

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank marks a significant reform in the rural credit system, aiming to enhance risk resistance and improve market competitiveness through the unification of 120 legal entities into a single legal person [2][3][4]. Group 1: Reform Details - Inner Mongolia Rural Commercial Bank was officially established on May 17, following the approval from the National Financial Supervision Administration on March 14, indicating a rapid reform process [3]. - The reform involves merging 120 legal entities, including 93 rural credit institutions and 26 village banks, into a unified legal entity, with a registered capital of 58.017 billion yuan [3][4]. - The major shareholders include the Inner Mongolia Rural Financial Society (19.01%), Inner Mongolia Financial Asset Management Co. (12.93%), and the Ordos Municipal Finance Bureau (12.41%) [3]. Group 2: Challenges and Risks - The reform faces challenges such as dealing with legacy non-performing assets and integrating governance structures of previously independent village banks into the new unified system [5][6]. - The Inner Mongolia rural credit system has longstanding issues in risk management, with significant amounts of non-performing loans and inadequate provisions reported [6][9]. - The need for effective governance integration and risk management strategies is critical for the success of the new bank [5][6]. Group 3: Capital Support and Future Outlook - The government has issued 26.2 billion yuan in special bonds to support capital replenishment for rural cooperative institutions, which is crucial for the reform's success [9][10]. - The Inner Mongolia Rural Commercial Bank aims to improve its operational indicators to rank among the top 30 provincial rural credit institutions within 3 to 5 years [10].